3 to 6 Month Emergency Funds

• What is an Emergency Fund (EF)?

• 3 or 6  months of EF?

• Debt free, can we now relax?

• What is a sinking fund?

15% on Your Retirement

• How much do I need to retire?

• What is inflation rate?

• What is compound interest?

• Steps to take to prepare for retirement

• Pension fund vs retirement

College Fund

• Retirement first or college fund

• Available scholarships

• State schools vs private schools

• Where to invest the college fund?

Mortgage & Rent

• No mortgage, what now?

• Rent vs buying

• When to refinance your mortgage: questions to ask

• What it feels like to be debt free

Insurance

• What is an insurance and why do you need it

• What are the different kinds of insurance that I need?

• What insurance not to buy?

Investments 101

• Saving vs investments

• Are retirement funds enough or do I need to invest?

• What are Group Mutual Funds?

• Other options?

Baby Emergency Fund

• document

Budgeting 101

• Financial Snapshot

• What is a monthly budget & why it is important?

• What are your four walls?

• Recommended  percentage

• Spendable income vs. debt

Debt Snowball

• Debt Snowball vs Debt Avalanche

• Plasectomy

• Myths about debts and credit cards

• Ways to eliminate debts and increase your income